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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,329 | $101,798-6.4% | $165,071-42.2% | $80,935+17.8% |
| Participation rate | 48.5% | 71.8%-23.3pp | 78.6%-30.1pp | 67.7%-19.2pp |
| Annual return | 13.83% | 16.73%-2.9pp | 70.17%-56.3pp | 35.66%-21.8pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,348 | $4,476-2.9% | $6,035-28.0% | $4,299+1.1% |
| Admin fee / account holder | $478 | $8,221-94.2% | $12,695-96.2% | $6,924-93.1% |